💰Working capital is the amount of operating #money you have after your debts are accounted for. It not only includes the total amount of cash in hand. It also factors in the value of your equipment, investments and inventory. https://t.co/4KnTg6OGQY #cashflow #smallbiz https://t.co/ogWTMuGDDL

“The fact is that one of the earliest lessons I learned in #business was that balance sheets and income statements are fiction, cash flow is reality.” —Chris Chocola, American businessman and former politician See the rest of our fav #cashflow #quotes https://t.co/vIKmf0r1rh https://t.co/JIyOJF3Ljl

5,000+ attendees 👩‍💼👨‍💼, 50+ speakers 🔈, exhibitors from around the world 🌍and throughout the app ecosystem 📱... the countdown 📆continues #QBConnect San Jose 2018 https://t.co/uMp72PnX1z #smallbiz https://t.co/CvaN2DAxXj

A topic near and dear to our ❤️— The best #cashflow books 📚for #smallbiz https://t.co/aXBKkRwqVh https://t.co/a0BlSG4Nr4

🕰🤠🌵Counting down to the #AppShowdown at #QBConnect San Jose, 6 pm PST Nov 5 #accountant day. (A little past high noon... but, it'll be noon somewhere...) @IntuitDev @QuickBooks @IntuitAccts #smallbiz #bethereorbesquare https://t.co/aj7qMD4ZBW https://t.co/QTLB2XRDQy

Cash flow consulting helps a business better understand the components of financial health and #creditworthiness. Here's how it can help #smallbiz and the #accountants and #bookkeepers who serve them. https://t.co/oyRaBFUoew #cashflow #AppShowdown #QBConnect https://t.co/tjY2n5CBOP

We're looking forward to meeting all the #accountants #bookkeepers #smallbiz and fellow app partners at #QBConnect San Jose. Look for us in the #AppShowdown Here's just a little bit about what we to help with #cashflow analysis and management. https://t.co/QAdKnixjFT https://t.co/jOiYgJy1T2

There's Breaking Dawn and Breaking Bad... then as a #business there's breaking even. Here's what you need to know about your break-even point. https://t.co/qFNltk0ydR #accounting #SMEs https://t.co/lmb1E4qDh9

Planning for #QBConnect San Jose Nov. 5-7? Here are 10 fun and totally free ways to make the most of this power learning and networking event. https://t.co/uMp72PnX1z #Smallbiz #AppShowdown #QBFirmOfTheFuture @QuickBooks @IntuitDev @IntuitAccts #winning https://t.co/agsv0NIGSF

Say it isn't so! Nearly 1 in 5 business owners don’t have separate business and personal banking accounts. The comprehensive list of #smallbiz cash flow #statistics https://t.co/wxtabQEVey #SMEs https://t.co/iJfSUeW5k3

Found a mistake on your business credit report? Take a deep breath. Here's how they happen and how to fix them. https://t.co/n5P0nEzktY #cashflow #business #finance https://t.co/jAye153xIM

Hello everyone, we have some terrific news to share, so here you go! Without further ado: PayPie was selected as one of the 10 QuickBooks App Showdown Finalists and will be featured in a showcase at QuickBooks Connect! For starters, we simply want to say THANK YOU for your amazing support in the voting competition! Your outstanding efforts pushed us to the top! We finished the voting competition with the most votes and that was all thanks to you, our beloved community. So, thank you guys, you are simply the best. Even though voting and other customer success aspects were essential to PayPie being named a finalist, the software quality itself also accounted for the heavy-lifting work from Intuit's perspective. The main meat came from Intuit's judgment on real product quality and impact, which is amazing. Their criteria encompassed a 25% weight accounted for the quality of the integration built with QBO, another 25% for how well the product solves a small business problem and how innovative and different it is, and 20% for how valuable and impactful the product is in market potential. What being selected as a finalist really means is that Intuit itself sees PayPie as a quality product with disruptive market potential. The team is ecstatic and we can’t wait to put our best foot forward in the final. Being a finalist is a victory in and of itself. Through this one win alone, PayPie will: o Have the opportunity to directly address thousands of accounting professionals and SMEs on the event's main stage. o Engage in constant exposure boosters through Intuit’s social and targeted channels. o Enjoy exclusive joint marketing opportunities with QuickBooks for a six-month period in 2019! We will seize every opportunity of it for the greatest benefit of the platform. In case you're considering attending, Intuit shared the promo code QBCSPONSOR for a 20% attendees discount. You can read Intuit's official announcement here: https://developer.intuit.com/hub/blog/2018/10/01/2018-100k-small-business-app-showdown-finalists For those who are not familiar with Intuit, Intuit develops and sells financial, accounting, and tax preparation software and related services for small businesses, accountants, and individuals. The extensive list of their proprietary software includes QuickBooks and Turbo Tax. Intuit serves over 40 million users worldwide, is has an annual revenue of over 5 billion dollars (2017) and a market cap of nearly 60 billion dollars (2018). It’s one of the best business partners any company could ever have. "We are very happy to announce PayPie as a Top 10 finalist in our Small Business App Showdown” said Alex Barnett, Director of the Intuit Developer Group. “This year’s competition has a great showing of app finalists from across the globe and we are confident that with the addition of PayPie to our app ecosystem, PayPie will provide even more value and benefits to our customers.” Nice words Alex. We are excited to provide even more value to customers worldwide too. PayPie will take over QuickBooks Connect with one sponsored booth at the exhibitors' hall, one contest finalist booth in a special section, and with a speech by Nick, our CEO, in a blockchain-themed panel at the event! All fronts are covered, let's do it! Now moving on to the Single Ledger! We are thrilled to announce that the Single Ledger is progressing greatly and that we have three exciting cornerstones already live and ready for you to check out right now. It's too much information to be shared in a single email, so we split it up for you in easy bites, here you go. First, our CEO, Nick Chandi, wrote an outstanding blog post introducing the Single Ledger to the world. This article will give you a clear vision of what the Single Ledger is all about and serve as an initial guide for educating readers about the disruption we are bringing to the financial scene. Read the article: https://blog.paypie.com/about-paypie/single-ledger-a-global-system-of-trust/

PayPie Updates Greetings. It is the last Friday of the month and time for an update from PayPie. To better convey the information everyone’s interested in, we are using a question-and-answer (Q&A) format to effectively address key topics clearly and transparently. Q1: What is the status of product development? A1: First, our cash flow forecasting capabilities are just about to reach a whole new standard. Monthly projections are almost ready, being fine-tuned and will be live next week. Daily cash forecasting development is underway and will be live in the coming weeks. This will let PayPie lay claim to near-real-time financial analysis — a standard that very few global companies have. If you are a QuickBooks Online user, you can sync your account and test the forecasting tool for yourself later this month to see how it translates spreadsheet data into a highly interactive and visual format that makes it much easier to draw insights. This blog post on the benefits of cash flow consulting for businesses also explains key features of the forecasting tool. There is also a sister post that gives accountants 10 reasons why they should offer cash flow consulting (and use our forecasting tool to do so). We urge you to test out the cash flow forecasting tool to see the kind of information it conveys and how it fits into our value proposition. The cash flow forecast also contains our proprietary risk score, which will be used by businesses to apply for lending through the platform. Risk is also a standalone metric that every business should monitor as it is directly related to cash flow. In terms of onboarding users, our journey is just beginning. We are continuously and aggressively working on user feedback and are close to reaching 400 users on the platform. We believe that even further growth will come from our attendance of QuickBooks Connect (detailed later in this email). Secondly, Single Ledger development is moving forward as planned. We are excited to share some of the disruptions we are bringing to the financial world. We expect to have a working proof of concept to demo at the Allinial Global Technology Fly-In this September. Single Ledger has the power to take PayPie to unimaginable heights. The possibilities arising from accurate risk assessment tied to the Single Ledger will forever change the world of accounting and financing. Q2: How PayPie is creating awareness and driving adoption? A2: PayPie is confirmed as one of the exhibitors at QuickBooks Connect 2018 in November. Our CEO, Nick Chandi, will be a member of a panel discussion called “Power Panel – All About Blockchain.” Topics will include how blockchain is set to impact accounting, which is a natural fit for PayPie, its tools, and its mission. The combination of our booth plus Nick’s participation in the panel should make for some excellent networking opportunities. Many of the top QuickBooks Online (QBO) accountants (from Canada, the United States and around the world) will be in attendance, as will representatives from the top apps. It is considered the event of the year in the QBO ecosystem. Accounting professional are SMEs’ most trusted advisors and each accountant onboarded on the platform is priceless. (Cash flow consulting is expected to be a growth area as automation eliminates data entry.) This event will kick-start our physical presence in the industry and we will leave our mark. It will be our first chance to show the world a little of what we are capable of. Content marketing (blogging efforts) are also being developed to support these initiatives, including posts that will target QBO users (SMEs and accountants) in advance of the event. There will also be more events to come in 2019. Q3: What is taking so long with the regulatory process?

Dear PayPie community, we realize that many of you might not have access to a QuickBooks Online account to check out our terrific new features and interface, so we created a special account just for you to be able to log in and try out PayPie from an SME perspective. Hopefully, this will enhance your experience while development of the buyers’ side interface is concluded. Remember that the platform is fetching and updating all data in near real-time and that our interface is now interactive containing different internal tabs for you to explore. Enjoy: URL: https://app.paypie.com/sme/authentication/login Log in: buyer@paypie.com Password: Buy3r@2018!!

Dear community, our beautiful new interface and insightful new cash flow forecasting are just about to come out of the oven nice and shiny, so we will hold on our email update from today for it to include the official launch of these invaluable new improvements. The release is happening in the next few days, so stay tuned. Cheers

A fresh out of the oven blog by our CEO, Nick Chandi: https://blog.paypie.com/about-paypie/for-a-sustainable-ecosystem/

A New Era Begins Welcome to PayPie Beta. PayPie has partnered with the fintech powerhouse Intuit to deliver a QuickBooks Online integration straight at Beta launch. PayPie will now have instant access to millions of QuickBooks Online business users as potential customers since the very beginning. QuickBooks is one of the largest business accounting software in North America having over 80% of market share in the USA. Check out these three must-read articles now and welcome to Beta! PayPie Blog - A New Era Begins blog: https://blog.paypie.com/about-paypie/a-new-era-begins/ AccountingToday - News story: https://www.accountingtoday.com/news/blockchain-based-credit-risk-assessment-platform-paypie-launches-in-beta CCN - Full press release: https://www.ccn.com/paypie-launches-live-beta-with-quickbooks-integration/ Enjoy Beta! We are just getting started!

Beta Launch Date Short and sweet - the PayPie Beta will be officially launched on April 30, 2018! We are finalizing the last details and making some nice tweaks to make sure everything goes as smoothly as possible at launch time. Our pie is almost ready for Beta! Plus, new website design, ad copies, press releases, and many other sweet marketing pies are fired up and ready for action! So save the date people! Monday, April 30, Beta is coming!

Hello crowd, A couple of sweet updates for you today. As mentioned by our CEO, Nick Chandi, in PayPie's community Telegram group a few days ago, Beta launch is getting close and everything is on track for outstanding things to come. Our marketing strategy is neatly crafted to create the perfect storm in several promotional mediums at once and an avalanche of BIG things will take place altogether. And no, if you wonder if the Debitum partnership announcement was the juicy news that we had to share the answer would be no. Our sweet PayPie is being baked to perfection and a lot will happen once the time comes. It looks like Christmas will arrive earlier this year! About a Beta launch, we don't have a confirmed date yet but the development is going as well as expected and Beta will be released on time. On another topic, we're happy to announce that Derrick Liu, CPA, joined the PayPie team as our newest advisor! He will add tremendous value to future partnerships development and he represents a financial stronghold in Asian markets. Here's a short bio of Derrick: "Derrick is the principal partner of Keyway Group, a regulated corporate service provider advising over 10,000 companies since its inception in 1979. Derrick is an early investor in Bitcoin and through his group’s investment arm, has invested in numerous startups in the crypto space while often assisting them as a regulatory and tax advisor. He is a frequent speaker at various investment events and he is a fellow at the Hong Kong Institute of CPA and member of CPA Australia. " And now without further ado let's move onto the sweetest news of the day - PayPie has officially joined the Ethereum Enterprise Alliance! The EEA opened its doors for PayPie to figure among its global reputable members such as Microsoft, Deloitte, Bancor, Accenture, Cisco, Dash, Intel, ING, Santander, Ledger Wallet, and CreditSuisse. Check it out! PAYPIE JOINS THE ETHEREUM ENTERPRISE ALLIANCE VANCOUVER/BC, CANADA – March 2, 2018 – PayPie announced today that it joined the Enterprise Ethereum Alliance (EEA), the world's largest open source blockchain initiative with over 400 member companies. PayPie joined EEA to enhance its contributions as a trusted leading enterprise in the blockchain industry and to support the adoption of Ethereum-based technology in the enterprise world. As a member of the EEA, PayPie will collaborate with industry leaders to help spread the benefits of trust and transparency brought by the blockchain to industries worldwide. EEA’s membership represents a wide variety of business sectors from every region of the world, including technology, banking, government, healthcare, energy, pharmaceuticals, marketing, and insurance, as well as a number of fast-growing Ethereum startups. The EEA’s wide range of vendor-led, industry-specific application layer working groups and committees are committed to increasing the adoption of Ethereum technology in the enterprise. “We are always searching for new ways of strengthening the blockchain technology community as a whole and of growing our own partnerships ecosystem with organizations that bring new synergies to the platform. The support for blockchain improvement and adoption must be constant to enable fintech companies like PayPie to expand and bring value to an ever-growing business audience eager for credit disruption,” said PayPie’s CMO Yohan Varella. About PayPie

The Debitum Network is an ecosystem for various SME loans in a decentralized manner that allows organizations and individuals to distribute available capital in SME loans. Debitum offers a hybrid solution – companies’ financing will be executed in fiat – and the platform aims to create a truly decentralized network via motivated communities so it can become a living ecosystem rather than just a mix of individual organizations trying to deal service in a pragmatic approach which works in the real life. Debitum has schedule to launch its first version on the Ethereum blockchain by September 2018.

Habemus Alpha! Surprise, surprise, Alpha is here! Yay! Yes, we know it's not the 31st yet, and yes, we know we're two days EARLIER than announced, but that's just how we roll! Better and faster all the way up! PayPie style! So, first things first, let me brief you a little on what this Alpha is all about in three main points: • This is an Alpha version, which means that it’s a very basic version of how the core platform will look like once it’s fully done. In other words, it’s just a slight taste and feel of the real big things to come. • However, even despite being an Alpha, the tremendously important thing to have in mind is that the data you'll see is being directly pulled from companies connected with an accounting solution! The test companies are set up in an accounting solution and PayPie is frequently fetching the info straight from the source! And then (*dramatic sound effect*) the platform is applying the PayPie credit risk assessment algorithm to generate the scores and results you'll see! It's a working product, not screenshots! • Another main purpose of an Alpha version is to find areas of improvement on the platform, so please email our team regarding any feedback that you’d like to share. Alpha data will be frequently updated to correct data errors or issues that come up so go nuts! On a side note, we have a potential partnership being developed and they are performing security audit and stress tests on the platform, so if you experience any lag or crash that will likely be a temporary issue for this week only. The big guys are coming! And that's basically it! Now that Alpha is out, our team is going full throttle at developing Beta. We expect to have it launched very, very soon. Things are going better than ever! As you know, Beta will bring all those wonderful functionalities that you all want to see, so stay tuned! Go ahead and enjoy Alpha while you can because it won’t last long! So here it is, the PAYPIE ALPHA: https://alpha.paypie.com Enjoy!

Alpha Is Coming! Oh yeah! Oh 2018... Such a young year and already bringing so much joy to our hearts. Yes my friends, our delightful alpha version is coming on the early side of our hopes! Our team is always putting our hearts and souls into the development of this platform that I guess things are conspiring in our favor because our alpha is already looking hot and steamy! I myself have been diving deep into the UI and UX waters to help our developers bring not only a world-class technical platform for you, but a platform that looks and feels great, a platform that you just can't get your hands out of. Of course, this is still an alpha version and alphas are well known for being far from perfect, but we are very happy with the overall performance of it and I'm sure you will be too! So without further ado: THE PAYPIE ALPHA WILL BE OFFICIALLY LAUNCHED ON JANUARY 31! Our alpha version will solely focus on the credit risk assessment side of the platform. That part should be first polished so we can then move on to deeper waters knowing that all data will be as accurate as we envision. This will be a great opportunity for the community to FLOOD us with feedback to help us take PayPie to the crypto Olympus! And hey, we have another outstanding news for you! After getting hundreds and hundreds of emails from people interested in joining out alpha testing phase we decided to run a completely PUBLIC ALPHA testing open for all willing to join! Woo-hoo! Our beta testing phase will still be closed, but hey, everyone can just go nuts on alpha! Speaking about beta, we will have plenty of juicy, and I mean, juicy info for you coming soon after alpha is released. Beta is already under development and things are moving at full speed. But first, let us all enjoy and test the $h!% out of alpha! One sweet slice of pie at a time! In the meantime, feel free to check out our CEO's latest words on our blog: https://blog.paypie.com/about-paypie/one-small-step-for-paypie-one-giant-leap-for-smes/ And just a note on our website revamp: we will only update a couple of things during alpha and will save the massive shiny stuff for when beta comes. The website is being completely revamped and PayPie will have a new face very soon. Trust me, it will worth the wait! So save the date everybody! January 31, 2018! Alpha is coming! PS - And some very special happy birthday wishes to one of our core community supporters, Mr. Andreas BTCBusinessconsult! You rock dude!

Hello folks, Happy New Year! 2018 is right around the corner and on behalf of the PayPie team I wish you plenty of good fortune and time to share with your loved ones in this promising 2018.. 2017 was quite the ride and 2018 will bring us all even better experiences. The platform is being beautifully developed as we all have seen from those juicy screenshots, the roadmap goals are steadily on track (as always), and we will have an amazing ecosystem up and running to bring us everything we are craving for. We are all very excited for the upcoming Alpha release. We are the "a little less conversation, a little more action" kind of guys, so believe me when I say that 2018 will be the PayPie year! The sky is the limit! From the PayPie family to yours, happy new year and best wishes everybody!

Hi all, Great news! The PayPie community has shown its strength once again and we've made it to the semi-finals of the 15th Annual SBBC Awards under Best Concept category! Over 600 businesses were nominated and the top ones of each category made into the semi-finals, which means that you guys were awesome! Now it's up to the judges. They will get into action and will select their favorite businesses for the big finals, so fingers crossed and keep the good vibes up! Here is their press release in case you want to check it out: http://smallbusinessbc.ca/press-release/top-10-semi-finalists-announced-15th-annual-small-business-bc-awards Also, last week we offered you to enroll in our Alpha/Beta testing stages and your involvement was awesome! Yeah, we know, your involvement is always awesome but we never get tired of acknowledging that whenever we can just because it's true. Hundreds of people applied and we're doing the best we can to accommodate as many of you as possible. We'll soon contact all the approved testers, but now it's time to shift all that wonderful energy to an even better use. We're looking for established SMEs with innovative spirits and thirst for growth to be among the very first ever to get their business credit score assessed by the power of blockchain accounting! These SMEs will have a head-start with our platform, so if you are an SME owner, an SME employee, or even know of SMEs that would benefit from a sharp new technological avenue, fill this form now and share it with everyone you know! For real! Dedicated form: https://docs.google.com/forms/d/e/1FAIpQLScnt9ys0Ws00f_YU4_In3FyrUziOEO8SnJAbTW2TvQHpTNJoQ/viewform?usp=sf_link This is your time to shine!

Hi all, PayPie is looking for passionate supporters to get involved in our Alpha/Beta testing stages. It will be a unique opportunity for you to get a first glimpse at the platform and to share your valuable feedback with our team first hand! So waste no more time and apply now: https://goo.gl/forms/CnVHKKSPmRnNupDA3

Hello PayPiers! First things first. If you haven't done so already, take a 10 second break from all the Black Friday fun you've been having and vote now for PayPie's Best Concept nomination in the SBBC Awards! It only takes one click: Last chance: http://sbbcawards.ca/award/concept/paypie/ Cool. Now that you've done your civic duty and helped making PayPie into the global powerhouse we all know it will become, let's talk business. As you may know, we'll have some slick platform screenshots to share with you guys in a couple of weeks. From a development perspective, we've been heavily focusing on the structural workflow of the platform and now we are just putting the whipped cream on top for nice and shiny interface. I could get my hands on the material our devs have made and I can tell you - it's shiny! We're also expanding our growth channels for 2018. Besides the already planned partnerships and integrations for strengthening our credit risk assessment usage in Q1, new opportunities are already being knitted for bringing some extra SME muscle down the road. New financial groups and fintech companies have reached us out and we were happy to present with our cutting-edge technology proposition, so the bottom line is that everything is going swell both from the development side and from the growth side. I'm already craving for sharing those slick screenshots with y'all. Our unique credit risk assessment platform based on blockchain accounting is looking better and better and a lot will happen in the next few months. As always, stay tuned!

Hi guys, A few things to share with you today. First, we wanted to share that the platform's development is going excellent! And by that I mean even better than expected! We are continuously working on the platform as committed on the whitepaper and steady progress is being made. Our first accounting software integration is already under development(!) so get ready - big things are coming soon! Now it's just a matter of time until the platform can go live and all can enjoy the business benefits it will bring! We also have something else to share with you. Something that you can directly do and take action with your own hands to help the platform's progress go even further, so here you go. PayPie has been nominated for the SBBC Awards under the Best Concept category! And how can we win? By having YOUR essential vote with the click of a button! It literally only takes 10 seconds so do it right now! Vote Now Here: http://sbbcawards.ca/award/concept/paypie/ Thank you for the support in bringing exciting and innovative technology to change the world of business financials. Together we make an even better and stronger PayPie!

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Hello Everyone! Here’s a fresh from the oven scoop for you – PayPie to Be Integrated into Jaxx multi-token wallet! PayPie and Decentral have just issued a joint press release officially announcing that Anthony Di Iorio has joined the PayPie team and that PayPie will be integrated into Jaxx! That’s thrilling news! Check it out: "Anthony Di Iorio Joins PayPie Team; PayPie to Be Integrated into Jaxx 6th October 2017 – Decentral Community Space – TORONTO – Decentral Inc, home of the Jaxx Blockchain Interface and the Decentral Community announced today that Anthony Di Iorio, Founder of Decentral and CEO of Jaxx, and Co-Founder of the Ethereum platform, is joining PayPie as both an advisor and as a prominent supporter. Anthony and the Decentral team are eager to support projects with experienced entrepreneurs delivering blockchain innovation, like PayPie. Anthony said that “by introducing the world’s first Ethereum-powered credit risk assessment based on decentralized accounting, PayPie hopes to bring ultimate trust and transparency to the financial market. I’m a believer in the power of decentralized technologies like PayPie to add huge value to existing auditing markets and practices. Supporting PayPie’s team in a key advisory role and by integrating the PayPie token into Jaxx are the ways I’m most eager to pitch in.” The PayPie decentralized, blockchain-based platform was built to make the financial information on businesses more accurate and transparent, allowing a better picture of a company’s financial health for credit risk assessment. Anthony continued, “PayPie leverages blockchain to enable live financial audits, speed up credit approvals, and improve the overall credit scoring processes for businesses. It’s a huge improvement in efficiency for lenders, auditors, accountants, and other financial institutions.” “Often a company’s financial situation is inaccurate, due to a lack of information and the fact that this information is usually outdated”, said PayPie CEO, serial entrepreneur, and member of the Forbes Technology Council, Nick Chandi. “By harnessing technology – blockchain in particular – we can avoid these issues and make the system fairer both for the businesses themselves, as well as those who wish to access the financial information. Anthony’s participation as a key strategic advisor and the integration of our token into the Jaxx platform are great accelerator to our future.” ABOUT JAXX Jaxx is a multi-token blockchain wallet that provides a unified experience across 8 platforms and devices including Windows, Apple and Linux desktops, Apple and Android mobile devices and tablets, as well as a Google Chrome extension. The Jaxx wallet enables crypto-to-crypto buying and selling with frictionless in-wallet conversion. Users are always in control of their keys and Jaxx neither holds nor has access to customer funds. Driven by design and user experience and built with simplicity in mind, Jaxx’s mission is to become the interface to the blockchain world. ABOUT PAYPIE